payment at the end... very tricky ... if you want to pay for efile $20 & want it deducted from your refund you have to pay the additional $45 for the audit fee. But if you go in and enter your cc info then you r only charged the $20. SCAM?

[xmasbaby0]

Do not choose to have the $20 deducted from your federal refund or you pay the extra fee to a third party bank that receives your refund from the IRS, takes out the $20 for TurboTax and that "refund processing fee" of $40 ($45 in CA) for itself.    Pay the $20 upfront before you file with a credit or debit card.  Or----file the state by mail and just pay for a stamp.

[fanfare]

pay-with-refund is for filers with no checking, no bank, no credit card and no money.

otherwise, stay away.